Insurance Blog

Reviewing and understanding your supplemental insurance options can be overwhelming when you are new to Medicare. There are several options to choose from and it’s hard to know which plans with which provider will be most suitable for the long haul. In the following article, we provide tips and advice to help you navigate this somewhat …

That’s right, Plan F Medicare supplement will no longer be for sale as of January 1, 2020. As part of the Medicare Access and CHIP Re-authorization Act of 2016, supplemental plans that cover the Part B deductible can no longer be purchased after that time. The legislation also phases out Plan C and it’s our understanding that it will …

If you would like to purchase health insurance outside of the yearly Open Enrollment window, then you will need a qualifying life event (QLE) to do so. Open Enrollment begins on November 15th and lasts through February 15th each year. Without such an event, insurance companies will turn down your application. How Do Qualifying Life …

If you are over 65 and leaving your group health insurance, you’ll need to plan carefully when considering COBRA as your semi-permanent insurance. If you do not enroll in Medicare Part B upon separation from employment, you can face late enrollment penalties including fines and delays. Unfortunately, the transition from group health insurance to Medicare – and the …

If you’ve ever been declined a Medicare supplement insurance plan due to medical underwriting, then you know the frustration. Some carriers are more stringent than others and the slightest health issue can be grounds for denial. And in most states, you have only one or two chances to choose a supplement without the need for medical …

Mutual of Omaha offers several different lines of insurance, but they may be best known for their Medicare supplement insurance plans. Their policies are competitively priced across the U.S. and rate increases with many of their supplements have been trending lower the last few years. A.M. Best rates them A+ due to their large base of policy holders, cash …

When you’re new to Medicare, there are decisions to make. Most of our clients compare traditional supplements (Plans, F, G, N, etc.) to Advantage plans, but inevitably the questions arises, ‘What is a Medicare Advantage (MA) plan?’ Through the years, we have found there’s a lot confusion about Advantage plans. They are different from supplements – and …

Welcome to Part II of our two-part series regarding the most frequently asked questions our agency encounters about Medicare Supplement insurance policies. In this installment, we discuss the nuances of these plans including: rates, underwriting, making changes and the agent's role. Click Here To Read Part I Med Supp FAQs → Learning About Medicare Supplement Rates & [...]

You may have questions about Medicare supplement insurance plans. We have been working with these policies for several years and answer the most common questions below to further your understanding of this insurance. First: A Little About Medicare What And When Is Open Enrollment For Medicare? For most, open enrollment occurs when they turn age 65. For others, [...]

Our independent agency represents several companies, but we are seeing a lot of interest lately in the Transamerica Life Medicare supplement insurance plans. In our view, there are several reasons for this including: cost, ratings, renewals and name recognition. First, a little about the company: Transamerica (that big pyramid building in San Francisco) is a subsidiary of …

If you are looking for Ohio health insurance plans in Columbus, Cleveland or Cincinnati -then you are in the right place. Our Ohio based independent insurance agency offers coverage from several carriers both on and off the federal exchange. In our opinion, it is important to work with an Ohio based insurance agency if that’s …

Through our independent agency, you can compare hybrid long term care insurance quotes and illustrations from One America State Life Insurance Company. They offer both single and joint annuity and life plans to fit most situations. We offer their hybrid annuity and life plans direct to consumer. Using our expertise and guidance, we can help …

If you are researching hybrid long term care policies, then you may want to consider the Lincoln MoneyGuard life insurance product. In this post, we will discuss how this policy works and provide examples of the benefits it will provide now and in the future. Addressing Long Term Care Using Hybrid Insurance Plans Asset based …

When purchasing Medigap insurance, you are weighing benefits versus cost. At some point, the monthly premiums for more comprehensive coverage (like Plan F) may outweigh the extra benefits. In our experience, a Plan N Medicare supplement insurance policy can offer good value when compared to supplements that fill in more gaps. There are several reasons we’ve arrived at …

Many of our clients are curious about what they can expect from the Medicare supplement policies that cover the Foreign Travel Emergency Benefit. There are only 6 Medicare supplements offered today that fill in this gap, but it’s important to understand this benefit has some limitations. Plans C, D, F, G, M & N all cover …